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THIS AGREEMENT CONTAINS AN AGREEMENT TO ARBITRATE ALL CLAIMS AND CONTAINS DISCLAIMERS OF WARRANTIES AND LIABILITY (please see sections 8 and 15). These provisions form an essential basis of our bargain. If you do not agree to these terms and conditions, you are not authorized to access or use the Websites and you are to cease accessing or otherwise using the Websites. For purposes of this Agreement, “You” or “Your” means the person(s) using the Websites, and/or the goods, facilities or services of Express Tech-Financing, LLC (Site and/or Services) and its companies offered through alternative methods, including persons that allow others to provide information about themselves to Express Tech-Financing (as deﬁned below), the banks, lenders, ﬁnancial institutions, providers, and brokers on Express Tech-Financing’s network (“Lenders”), Providers (as deﬁned in sections 4 and 5), or partners (as deﬁned in sections 4 and 5). “Express Tech-Financing”, “us” or “we” means, but is not limited to the following entities:
Express Tech-Financing, LLC.
Express Tech-Financing, LLC afﬁliates, parents, subsidiaries, successors or assigns, and their collective members, managers, directors, employees, contractors, agents and service providers.
THE DISCLOSURES AND CONSENT REQUIRED UNDER CERTAIN STATE LAWS ARE DEEMED TO BE PROVIDED, RECEIVED AND AGREED TO BY USE OF THE WEBSITES.
You should rely on your own judgment in deciding which available loan product, terms or Lender best suits your needs and ﬁnancial means. The Lender is solely responsible for its services to you, and you agree that Express Tech-Financing shall not be liable for any damages or costs of any type arising out of or in any way connected with your use of such services. You understand that Lenders may keep your loan request information and any other information provided by Express Tech-Financing or received by them in the processing of your loan request, whether or not you are qualiﬁed for a loan with them or if you make a loan with them. You agree to notify any particular Lender directly if you no longer want to receive communications from them.
The Websites and the services provided by Express Tech-Financing are available in connection with non-mortgage loans unless otherwise speciﬁed. Loans may only be made to residents of states where Lenders are licensed or authorized to make such loans. Lenders are not attempting to make loans outside of their authorized states or country by participating in and offering their products on the Websites. Express Tech-Financing and Lenders expressly reserve the right to discontinue, suspend or terminate the offering of any loan product in any speciﬁc state through the Websites at any time, without prior notice.
Express Tech-Financing does not guarantee acceptance into any particular loan program or speciﬁc loan terms or conditions with itself any other Lender; loan approval standards are established and maintained solely by individual Lenders. Likewise, Express Tech-Financing does not guarantee that the loan terms or rates offered and made available by Lenders are the best terms or lowest rates available in the market. A Lender’s conditional loan offer may be subject to market conditions, approval and qualiﬁcation. The rates and fees actually provided by Lenders may be higher or lower depending on your complete credit proﬁle, collateral/property considerations (if applicable) including but not limited to location, equity and value and income/asset consideration including but not limited to loan to value and debt to income ratios. Unless expressly stated in writing, nothing contained herein shall constitute an offer or promise for a loan commitment or interest rate lock-in agreement. Lenders may not offer all products as well as not offer products in all states. You might not be matched with the Lender making any speciﬁc offer. To help the government ﬁght identity theft, the funding of terrorism and money laundering activities, Express Tech- Financing and/or its Lenders may obtain, verify and record information that identiﬁes each person who opens an account with them. They may ask for your name, Social Security Number, address, telephone number, date of birth and other important information that will allow them to properly identify you. During the Lenders’ formal application process, they may also ask to see your driver’s license or other identifying documentation to further assist in certifying your identity.
Express Tech-Financing is paid a marketing lead generation fee by Lenders for the goods, facilities and services provided. Your use of the Websites and/or Express Tech-Financing’s services constitutes your agreement with this compensation arrangement. At closing, you will be responsible for paying for any closing costs associated with your loan (such as loan processing, underwriting or funding fees).
By clicking on any button indicating an acceptance or agreement to terms, a continuance of processing or submission (“submission”) you understand that you are consenting, acknowledging and agreeing to the stated terms and conditions of that submission and that you are submitting an inquiry as to a lending product through Express Tech-Financing to each of the Lenders to whom your loan request is transmitted. You are also indicating that you are consenting, acknowledging and agreeing to receive important notices, disclosures and other communications (“Disclosures and Communications”) in electronic form (either by email or via the Internet). In addition, you acknowledge that we may access your credit ﬁle even if your Social Security Number is not provided and that you have received and reviewed and, where applicable, signed the necessary required disclosures. Not all lenders will receive and/or utilize your SSN to access your credit report and/or credit score. Express Tech-Financing does not perform hard inquiries into credit, rather it does a soft inquiry to adhere to Anti-Money Laundering requirements and to assist in identiﬁcation and veriﬁcation of consumers as well as to prevent fraud. The information Express Tech-Financing receives from your credit report and/or credit score is not shared with Lenders, but is used by internal personnel on a need to know basis. From time-to-time Express Tech-Financing is examined by State and Federal Regulators and as such is required to maintain your Personally Identiﬁable Information to adhere to those requirements. Your information may also be obtained from Lenders after you are matched to adhere to state and federal reporting and record retention requirements. You authorize Express Tech-Financing and its participating Lenders to share such information as required, including for the purpose of providing you with the services for which you apply.
By submitting the loan request containing your electronic signature, you are extending an express invitation to Express Tech-Financing and each Lender you have been matched with to contact you by telephone at the numbers (whether landline or cellular) you have provided so they may assist you with your transaction, and you hereby consent to any such calls even if your phone number is on any Do Not Call list, or by email at the email address you provided or at another address that may be associated with you that we receive from Lenders or other parties and you hereby consent to any such email so it will not be considered spam or unauthorized by any local, state or federal law or regulation. In addition, you consent, acknowledge and agree that Express Tech-Financing, a lender with whom you have been matched or an associated third party may use an automatic dialing system in connection with calls made to any telephone number you entered, even if it is a cellular phone number or other service for which the called person(s) could be charged for such call. By saving your information with Express Tech- Financing or by doing a submission, you give Express Tech-Financing permission to retain all such provided information and to make live or recorded calls to discuss, provide or remind you of any information in regards to your submission, including incomplete loan requests, the delivery of loan request matches, deadlines, quality of services or other matters in connection with your loan request. For any service, you represent that all of the information you have provided in your submission and loan request is true and complete. You expressly consent to receive email and text (SMS) communications for marketing and collections purposes. You have the right to receive any document in non-electronic form and to withdraw your consent to electronic delivery at any time by contacting Express Tech-Financing Customer Service at 1-800-795-2132 or by emailing [email protected]
The Express Tech-Financing services provide for multiple loan conditional offers through their networks of nonafﬁliated Lenders. By submitting the loan request form and/or Express application, you authorize Express Tech-Financing to provide information provided by you or that Express Tech-Financing has or may receive from others, to Lenders on their networks, along with any additional Lenders or investors necessary to complete your loan transaction. You also authorize Express Tech-Financing and its Lenders along with any additional Lenders or investors necessary to complete your loan transaction, to request from one or multiple credit bureaus /reporting agencies, your credit bureau report including any ancillary credit scores or ratings and to verify that your request is true and accurate. By clicking “Continue” (or any button indicating acceptance) you are certifying that all of the information you have provided in your loan request is true, accurate and complete. At the present time, Fair Isaac Corporation (the company that provides “FICO” credit scores) reports that, for mortgage or auto loans, it disregards those inquiries made in the 30 days prior to the lender receiving the credit score and that beyond the 30 days, it consolidates all credit inquiries that occur within a 14-day period into one inquiry for scoring purposes. Some Lenders will require addition information prior to providing an offer. In these situations, the Lender(s) will contact you directly to discuss your loan request and to discuss the speciﬁc terms of your offer(s). In the GetSmart process, you may be given the option to provide your Social Security Number and/or have your credit pulled in order to improve your Lender matches. The Lenders you are matched with may later require a Social Security Number to proceed with your loan request.
To determine which Lenders may be matched with you, Lenders provide us criteria about the type of loan (for example, loan amount or credit terms) and the type of loan customer (for example, state of residence or creditworthiness) in which the Lender is interested. Express Tech- Financing will provide your information to Lenders whose criteria match your proﬁle.
If you request an auto loan and qualify for the Dealer Referral Program, Express Tech-Financing may also provide your information with one or more of the Lenders, providers or third-party marketing companies in that program. In addition, you may be matched with one or more Lenders offering unsecured loans with which you could ﬁnance your automobile or motorcycle. As such, when you click on the submit button you are consenting, acknowledging and agreeing to a hard pull of credit by up to ﬁve lenders in relationship to your automobile loan inquiry. Please note, that you are providing Written Consent for such inquiry and that this may impact your credit score. FICO (Fair Isaac Corporation) recognizes that borrowers typically shop around, and consumers are encouraged to ﬁnd the best deal that works for them and their personal ﬁnancial situation. That’s why inquiries from multiple auto loan applications generally will not hurt your score for 30 days. Once a month has passed, the FICO scoring model treats multiple inquiries for one of those loan types as a single inquiry, provided the applications all took place within a relatively short window of time such as 45 days. That consolidation of inquiries helps limit the FICO score damage that would otherwise be caused by multiple credit checks, each counted individually. You may contact FICO online at http://www.ﬁco.com/en/Pages/Contact.aspx with questions.
If you request a credit card, personal loan or commercial loan, Express Tech-Financing may also provide your information with one or more of the lenders or providers in that program.
Notice For California Residents:
A married consumer may request separate credit. A married consumer may include a spouse’s income even when requesting for a separate account.
Notice For Ohio Residents:
The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with the law.
Notice For Married Wisconsin Residents:
No provision of a marital property agreement (pre-marital agreement), a unilateral statement under Section 766.59 of the Wisconsin Statutes, or a court decree under Section 766.70 of the Wisconsin Statutes adversely affects the interest of the creditor unless, prior to the time the credit is granted, the creditor is furnished a copy of the marital property agreement, statement, or decree or has actual knowledge of the adverse provision when the obligation to the creditor is incurred. If the loan for which you are applying is granted, your spouse will also receive notiﬁcation that credit has been extended to you.
Express Tech-Financing offers requests for other products and services on the Websites. You may be able to access these products and services when you complete a request and either (i) get matched with potential third party providers (“Provider” includes any third-party afﬁliate or ﬁnder of a Provider) who will respond with conditional offers for products or services or (ii) get provided with the name and information about potential Providers who may able to respond with the requested products or services or information about the requested products or services without any offers. The Providers that can provide you with conditional offers may not respond with offers until they speak with you to get additional information. NOTE: You are providing express written consent for Express Tech-Financing and the selected Lender to share this private personally identiﬁable information for these purposes, collection, litigation, regulatory request(s), law enforcement requests, internal analytics and/or for marketing purposes.
Express Tech-Financing does not make any decisions in connection with the products or services offered by Providers. Express Tech- Financing does not endorse or recommend the products or services of any particular Provider on any of its Websites. Express Tech-Financing is not an agent of either you or any Provider. You should rely on your own judgment in deciding which available product or service and Provider best suits your needs and ﬁnancial means. The Provider is solely responsible for its services to you, and you agree that Express Tech- Financing shall not be liable for any damages or costs of any type arising out of or in any way connected with your use of such Provider products or services. You understand that Providers may keep your request information and any other information provided by Express Tech- Financing or received by them in the processing of your request, whether or not you are qualiﬁed for the product or service with them or if you acquire a product or service with them. You agree to notify any particular Provider directly if you no longer want to receive communications from them. Products and services may only be made to residents of states where Providers are licensed or authorized to make such products or services available. Express Tech-Financing and Providers expressly reserve the right to discontinue, suspend or terminate the offering of any product or service in any speciﬁc state through the Websites at any time, without prior notice.
The data and other information you may provide Express Tech-Financing is not, and is not treated as, an application for that product or service. Express Tech-Financing does not guarantee acceptance into any particular program or speciﬁc term or condition with any Provider; approval standards are established and maintained solely by individual Providers. Likewise, Express Tech-Financing does not guarantee that the terms or rates for the products or services offered and made available by Providers are the best terms or lowest rates available in the market. A Provider’s products or services may be subject to market conditions, approval and qualiﬁcation. The terms and rates actually provided by Providers may be higher or lower depending on your individual ﬁnancial proﬁle, your location and other considerations. Unless expressly stated in writing, nothing contained herein shall constitute an offer or promise for a product or service. Providers may not offer all products or services as well as not offer products or services in all states. You may not be matched with the Provider making any speciﬁc offer. Express Tech-Financing is paid a marketing lead generation fee by either the Provider or a third party “ﬁnder” (if the ﬁnder markets for or to the Provider) for the goods, facilities and services Express Tech-Financing provided. Your use of the Websites and/or Express Tech- Financing’s services constitutes your agreement with this compensation arrangement. You will be responsible for paying for any cost associated with the product or service.
By clicking on any button indicating an acceptance or agreement to terms, a continuance of processing or submission (“submission”) you understand that you are consenting, acknowledging and agreeing to the stated terms and conditions of that submission and that you are submitting an inquiry as to a lending product through Express Tech-Financing to each of the Lenders to whom your loan request is transmitted. You are also indicating that you are consenting, acknowledging and agreeing to receive important notices, disclosures and other communications (“Disclosures and Communications”) in electronic form (either by email or via the Internet). In addition, if you proceed with a Loan Application with any Express Tech-Financing Network Lenders, can provide you with the Disclosures and Communications in Electronic form. You understand that you will need, and have access to an email address, Internet access and PDF software to review the Disclosures and Communications. In addition, you acknowledge that we may access your credit ﬁle even if your Social Security Number is not provided and that you have received and reviewed and, where applicable, signed the necessary required disclosures. By submitting the request containing your electronic signature, you are extending an express invitation to each Provider to contact you by telephone at the numbers (whether landline or cellular) you have provided so they may assist you with your transaction, and you hereby consent to any such calls even if your phone number(s) are on any Do Not Call list, or by email at the email address you provided or at another address that may be associated with you that we receive from Providers or other parties and you hereby consent to any such email so it will not be considered spam or unauthorized by any local, state or federal law or regulation. In addition, you consent, acknowledge and agree that Express Tech- Financing, a lender with whom you have been matched or an associated third party may use an automatic dialing system in connection with calls made to any telephone number you entered, even if it is a cellular phone number or other service for which the called person(s) could be charged for such call. By saving your information with Express Tech-Financing or by doing a submission, you give Express Tech-Financing permission to retain all such provided information and to make live or recorded calls to discuss, provide or remind you of any information in regards to your submission, including incomplete requests, the delivery of request matches, deadlines, quality of services or other matters in connection with your request. For any product or service, you represent that all of the information you have provided in your submission and request is true and complete. You have the right to receive any document in non-electronic form and to withdraw your consent to electronic delivery at any time by contacting Express Tech-Financing Customer Service at 1-800-795-2132 or by emailing [email protected] simple.com.
By submitting the request form, you authorize Express Tech-Financing to provide information that you provided or that Express Tech- Financing has or may receive from others to Providers or their ﬁnders, along with any additional providers necessary to complete your transaction. By submitting any eligibility form, you authorize Express Tech-Financing to provide your information to Providers or ﬁnders to discuss, review or provide product or services information and opportunities. You also authorize Express Tech-Financing and its Providers and ﬁnders along with any additional providers necessary to complete your transaction, to request from one or multiple credit bureaus /reporting agencies, your credit bureau report including any ancillary credit scores or ratings.
All contents of the Websites are: Copyright 2017 Express Tech-Financing, LLC and/or its afﬁliates, parents, subsidiaries, suppliers, Lenders or Providers, 12100 Wilshire Blvd., Suite 1800, Los Angeles, CA 90025 All rights reserved. Other product and company names mentioned herein, including the names of Lenders, may be the trademarks of their respective owners.
Nothing on the Websites should be construed as granting, by implication, estoppel or otherwise, any license or right to use any service mark or trademark (individually and collectively, “Mark” or “Marks”) displayed on the Websites, without the prior written permission of the Express Tech-Financing or the applicable Mark holder speciﬁc for each such use. The Marks may not be used to disparage Express Tech-Financing, the Lenders, the applicable third party or the products or services of such parties, nor shall they be used in any manner that may damage any goodwill in the Marks. Use of any Mark as part of a link to or from any site is prohibited unless establishment of such a link is approved in advance by Express Tech-Financing in writing.
The Websites contain copyrighted material, trademarks and other proprietary information, including, but not limited to, text, software, photos, video, graphics, music and sound, and the entire contents of the Websites are copyrighted as a collective work under the United States copyright laws. Express Tech-Financing owns a copyright in the selection, coordination, arrangement and enhancement of such content, as well as in the content original to it. You may not modify, publish, transmit, participate in the transfer or sale, create derivative works or in any way exploit, any of the content, in whole or in part. Except as otherwise expressly permitted under copyright law, no copying, redistribution, retransmission, publication or commercial or non-commercial exploitation of downloaded material will be permitted without the express written permission of Express Tech-Financing and the copyright owner. Elements of the Websites are protected by trade dress, trademark, unfair competition, and other state and federal laws and may not be copied or imitated in whole or in part, by any means, including but not limited to, the use of framing or mirrors.
Express Tech-Financing intends that the information contained in the Websites be accurate and reliable; however, errors sometimes occur. The information is provided as a service to the general public over the age of eighteen and is subject to change without prior notice. In addition, changes and improvements to the information provided herein and are provided “as-is” without warranty of any kind, implied, expressed or otherwise. Under no circumstances will Express Tech-Financing be liable for any loss or damage caused by your reliance on information obtained through the Websites. It is your responsibility to evaluate the accuracy, completeness or usefulness of any information, opinion, advice or other content available through the Websites.
THE WEBSITES AND THE INFORMATION, SOFTWARE, PRODUCTS AND SERVICES ASSOCIATED WITH IT ARE PROVIDED “AS IS”. EXPRESS TECH-FINANCING AND/OR ITS SUPPLIERS, LENDERS OR PROVIDERS DISCLAIM ANY WARRANTY OF ANY KIND, WHETHER EXPRESS OR IMPLIED, AS TO ANY MATTER WHATSOEVER RELATING TO THE WEBSITES AND ANY INFORMATION, SOFTWARE, PRODUCTS AND SERVICES PROVIDED HEREIN, INCLUDING WITHOUT LIMITATION THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NONINFRINGEMENT. USE OF THE WEBSITES AND/OR EXPRESS TECH-FINANCING’S SERVICES IS AT YOUR OWN RISK. EXPRESS TECH- FINANCING AND/OR ITS SUPPLIERS, LENDERS OR PROVIDERS ARE NOT LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES OR OTHER INJURY ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR THE INABILITY TO USE THE WEBSITES AND/OR EXPRESS TECH-FINANCING’S SERVICES OR WITH THE DELAY OR INABILITY TO USE THE WEBSITES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS AND SERVICES OBTAINED THROUGH THE WEBSITES, INCLUDING BUT NOT LIMITED TO RELIANCE BY YOU ON ANY INFORMATION OBTAINED AT THE WEBSITES, OR THAT RESULT FROM MISTAKES, OMISSIONS, INTERRUPTIONS, DELETION OF FILES OR EMAILS, ERRORS, DEFECTS, VIRUSES, WORMS, TROJAN HORSES, TRAP DOORS, BACK DOORS, EASTER EGGS, TIME BOMBS, CANCELBOTS OR OTHER CODE OR COMPUTER PROGRAMMING ROUTINES THAT CONTAIN CONTAMINATING OR DESTRUCTIVE PROPERTIES OR THAT ARE INTENDED TO DAMAGE, DETRIMENTALLY INTERFERE WITH, SURREPTITIOUSLY INTERCEPT OR EXPROPRIATE ANY SYSTEM, DATA OR PERSONAL INFORMATION, DELAYS IN OPERATION OR TRANSMISSION, OR ANY FAILURE OF PERFORMANCE, WHETHER OR NOT RESULTING FROM ACTS OF GOD, COMMUNICATIONS FAILURE, THEFT, DESTRUCTION OR UNAUTHORIZED ACCESS TO EXPRESS TECH-FINANCING RECORDS, PROGRAMS OR SERVICES, OR OTHERWISE ARISING OUT OF THE USE OF THE WEBSITES, WHETHER RESULTING IN WHOLE OR IN PART, FROM BREACH OF CONTRACT, TORTIOUS BEHAVIOR, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF EXPRESS TECH-FINANCING AND/OR ITS SUPPLIERS OR PROVIDERS HAVE BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU.
Express Tech-Financing, Lenders and Providers may choose to electronically deliver all information related to its services and your requests. Express Tech-Financing, Lenders and Providers electronic communications to you may transmit or convey information about action taken on your request, portions of your request that may be incomplete or require additional explanation, any notices required under applicable law, which may include any Federal Truth-in-Lending disclosures, State disclosures, other terms, conditions and documents, and the privacy policies of Express Tech-Financing, Lenders and Providers.
You agree to receive all current and future notices, disclosures, communications and information, and to do business electronically with Express Tech-Financing, Lenders and Providers. This means that Express Tech-Financing, Lenders and Providers may communicate with you by sending a message to the email address you provided or at another address that may be associated with you that we receive from Lenders, and Providers or other parties. You agree that you meet the below technical requirements and are able to access and retain copies of notices and information sent or made available electronically.
To access and retain information and notices we send or make available to you electronically, you will need: Internet access with 128-bit encryption Adobe Acrobat Reader 6 or higher Ability to Print Internet Explorer 6 or higher Netscape 8.04 and above (Use in IE mode) Email Access or Firefox version 1.5 You have the right to receive any document in non-electronic form and to withdraw your consent to electronic delivery at any time by contacting Express Tech-Financing Customer Service at 1-800-795-2132 or by emailing [email protected]
As a condition of use of the Websites and/or Express Tech-Financing’s services, you agree to indemnify and defend Express Tech-Financing and its suppliers, Lenders or Providers from and against any and all liabilities, expenses (including attorneys’ fees) and damages arising out of claims resulting from your use of the Websites, including without limitation any claims alleging facts that if true would constitute a breach by you of this Agreement.
In no event will Express Tech-Financing have any liability to you in excess of actual compensatory damages. You irrevocably waive any claim to direct, indirect, special, consequential, punitive or exemplary damages.
The Websites may contain links to websites maintained by third parties. Such links are provided for your convenience and reference only. Express Tech-Financing does not operate or control in any respect any information, software, products or services available on such websites. Express Tech-Financing’s inclusion of a link to a website does not imply any endorsement of the services or the website, its contents, or its sponsoring organization. When you leave the Websites please note that Express Tech-Financing is not responsible for the accuracy or content of the information provided by that website, nor is it liable for any direct or indirect technical or system issues arising out of your access to or use of third party technologies or programs available through that website.
Express Tech-Financing is not responsible for any errors or delays in responding to a request or referral form caused by, including but not limited to, an incorrect email address provided by you or other technical problems beyond our reasonable control.
Any judgment upon the award rendered by the arbitrators may be entered in any court of competent jurisdiction. The agreement to arbitrate shall not be construed as an agreement to the joinder or consolidation of arbitration under this agreement with arbitration of disputes or claims of any non-party, regardless of the nature of the issues or disputes involved. To the fullest extent permitted by applicable law, no arbitration under this Agreement shall be joined to an arbitration involving any other party subject to this Agreement, whether through class arbitration proceedings or otherwise.
THIS AGREEMENT PROVIDES THAT ALL DISPUTES BETWEEN YOU AND Express Tech-Financing WILL BE RESOLVED BY BINDING ARBITRATION. YOU THUS GIVE UP YOUR RIGHT TO GO TO COURT TO ASSERT OR DEFEND YOUR RIGHTS. YOU ALSO GIVE UP YOUR RIGHT TO PARTICIPATE IN OR BRING CLASS ACTIONS. YOUR RIGHTS WILL BE DETERMINED BY NEUTRAL ARBITRATORS AND NOT A JUDGE OR JURY. You are entitled to a fair hearing, and the arbitration procedures are simpler and more limited than rules applicable in court. Arbitrator decisions are enforceable as any court order and are subject to very limited review by a court. By using Express Tech-Financing’s goods, facilities and services, you consent to these restrictions.
Should a Dispute arise and should the arbitration provisions herein become inapplicable or unenforceable, or in any instance of any lawsuit between you and Express Tech-Financing, the parties agree that jurisdiction over and venue of any suit shall be exclusively in the state and federal courts sitting in Los Angeles, California. If either party employs attorneys to enforce any right in connection with any Dispute or lawsuit, the prevailing party shall be entitled to recover reasonable attorneys’ fees.
This Agreement (which hereby incorporates by reference any other provisions applicable to use of the Websites, including, but not limited to, any supplemental terms governing the use of certain speciﬁc material contained in the Websites and any operating rules for the Websites established by Express Tech-Financing) constitutes the entire agreement between you and Express Tech-Financing and it supersedes all prior or contemporaneous communications, promises and proposals, whether oral, written or electronic, between you and Express Tech-Financing with respect to the Websites and information, software, products and services associated with it. This Agreement shall be subject to and construed in accordance with the laws of the California, excluding its conﬂict of laws principles. If any part of this Agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid enforceable provision that most closely matches the intent of the original provision, and the remainder of the Agreement shall continue in effect. A printed version of this Agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this Agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. All rights not expressly granted herein are reserved.
PLEASE PRINT AND RETAIN A COPY OF THIS AGREEMENT FOR YOUR RECORDS.
Last Updated: April 9, 2019
This website is a general audience site and we do not knowingly collect personal information from children under the age of 13. For more information about the Children’s Online Privacy Protection Act (COPPA), view the FTC website at www.ftc.gov.
Information We Collect. We collect personally identifiable information that can identify you such as your name, address, telephone number, mobile number, e-mail address and Social Security Number (“Personally Identifiable Information” or “PII”). We also collect information such as demographic data and data about your online activity on our website that does not identify you (“Non-Personally Identifiable Information” or “Non-PII”). PII and Non-PII are known together as “Information”. We may also collect and store Information that you provide to us about other people (such as borrowers, co-borrowers and cardholders), including their name, address, telephone number, mobile devices, email address and Social Security Number and cardholder information.
A. From You. We collect Information you provide to us: (i) in connection with inquiring about or obtaining our services; and (ii) in connection with a job application. The Information we collect from you will vary depending on the product or service requested.
B. Other Sources. We may obtain Information about you from third parties such as: credit reports, information about your home and demographic information. We do not pull a hard inquiry relating to your credit bureau report rather a soft inquiry is performed in order to assist in complying with federal, state and local laws relating to Anti-Money Laundering and Identity theft. None of the information obtained is shared with any matched service provider relating to your inquiry, rather the information may only be accessed by and disclosed to CurrencyPay, LLC employees with a legitimate business need to know in accordance with applicable laws and regulations. Information such as Social Security Number (SSN), date of birth (DOB), address and phone number may be verified by third parties to assist in the prevention of identity theft, consumer identification and verification. CurrencyPay, LLC takes your privacy and compliance with applicable law seriously and performs these checks using best practices according to industry standards and does not alter or change the information you provide in your inquiry form. Your information is encrypted and protected both in-transit to our servers and at rest on our servers by the latest security standards & protocols. In addition, our networks and servers are constantly monitored for ‘advanced, persistent’ and other threats to your information.
Other Technologies. We may use web beacons and other standard Internet technologies to track your use on our websites. Web beacons (also known as clear gifs, pixel tags, targeting and re-targeting pixels, third party pixels or web bugs) are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movements of web users or to access cookies. We also may include web beacons in e-mail messages or newsletters to determine whether messages have been opened and acted upon.
A. In General. We may use Information to:
B. Financial Information. Depending on the service requested, we may use financial information to: provide payment processing services, match you with lenders, provide you with lenders’ conditional loan offers, auto dealers, auto lenders, personal loan providers, etc. as well as to verify your identity, protect against or identify possible fraudulent transactions, or otherwise as needed to manage our business. CurrencyPay, LLC is responsible for the security of any cardholder data when stored, transmitted or processed on behalf of merchants and cardholders. CurrencyPay, LLC is not responsible for any merchant’s handling of cardholder data it may retain.
C. Job Applicants. If your PII is submitted when applying for a position with us, the information will be used solely in connection with considering and acting upon your application. We may retain your PII for a period of time, but only for the purpose of considering your application for current or future available positions or as required by law.
B. Processing Service Providers. In submitting an inquiry for a payment processing and other services offered through this website, when you click on any button indicating an acceptance or agreement to terms, a continuance of processing or submission, you signify your agreement to proceed you are consenting, acknowledging and agreeing to the disclosure of your PII, as described herein, with entities involved in payment processing in our network (“Partners”). Please note that no hard inquiry of credit will be performed by CurrencyPay LLC or its Partner unless you authorize us to do so by submitting a completed merchant processing application. So please note the language at the end of each form submission to understand if you are consenting to a hard or soft inquiry. NOTE THAT even if you do not provide your Social Security number, we may access your credit file to assist in the prevention of identity theft and to verify your request is accurate and complete. Lastly, not all network Partners will obtain your SSN and each Partner has its own requirements, disclosures and consent requirements.
BE AWARE that the Partners with whom we work to provide services may retain or use your Information whether or not you use their services and you should contact these Partners directly concerning their privacy and information sharing practices which may differ from CurrencyPay, LLC.
C. Referrals for your Business. When you express interest in other products, services, promotions that we offer (by, for example, completing an inquiry for such services), we will share your request or expression of interest with the businesses with which we partner to offer you those products, services and promotions, and, as applicable, with their affiliates and third party finder or marketing companies (collectively, “Business Providers”). When you choose to participate in a particular offer or program, you authorize us to provide PII to those Business Providers. Be aware the Business Providers with whom we share your Information may retain or use your Information whether or not you use their services and you should contact these parties directly concerning their privacy and information sharing practices which may differ from ours.
D. Services Providers. We may share your personal information with our authorized service providers that perform certain services on our behalf including, but not limited to service providers that perform services on our behalf in connection with your request for payment processing services. These third parties include, without limitation credit bureaus, title companies, flood or other insurance companies, appraisal companies, closing agents, marketing and customer services firms, credit card, banks or entities that provide business analysis or website support. These third parties may have access to PII needed to perform their functions.
For Vermont Residents: We will not share information we collect about you with nonaffiliated third parties, except as permitted by Vermont law, such as to process your transactions or to maintain your account. In addition, we will not share information about your creditworthiness with our affiliates.
For California Residents: We will not share information we collect about you with nonaffiliated third parties, except as permitted by California law, such as to process your transactions or to maintain your account.
12100 Wilshire Blvd., 18th Floor
Los Angeles, CA 90025